Mortgage Application Hub
Applying for a mortgage can feel overwhelming, but we have advisors who specialise in guiding people through the process step by step.
Mortgage Application Advice
A mortgage application is more than just filling out a form. Lenders want to see that you can afford the loan, have a reliable income, and manage your finances responsibly. They check this through a combination of documents, affordability calculations, and a credit check.
At Online Mortgage Advisor, we have advisors who understand how lenders assess applications. They will explain what is needed upfront, help you prepare the correct documents, and guide you through the process so you know exactly what to expect. This gives you certainty and confidence that your application is being handled correctly.
Whether you’re a first-time buyer, remortgaging, or moving home, you’re in the right place. We’re here to help make your mortgage journey as stress-free as possible.
We offer a range of guides tailored to specific circumstances, as well as assistance for individuals with poor credit or those who are self-employed.
Find out how much you could borrow and what your repayments could be with our useful mortgage calculator.
“A mortgage application can feel daunting, but with the right guidance, it becomes straightforward. We explain what documents you need, how lenders assess your case, and guide you through each step of the process.”
Check your affordability
Use our calculators to see how much you could borrow ad what your monthly repayments could be.
Read our guides
Browse our mortgage application guides to learn about required documents, credit checks, and the steps from Agreement in Principle to completion.
Compare mortgage deals
Use our comparison tool to view lenders currently offering products that suit your situation.
Speak to an expert
Get matched with an advisor who knows how lenders assess applications and can guide you through the process smoothly.
Our advisors can give you certainty from questions to completion. Understand your options today.
Our Guides
Browse our guides to learn everything you need to know about mortgage applications.
Mortgage Tools & Calculators
Professional tools designed to help you understand your mortgage options, compare rates, and make informed decisions about your financial future.
Frequently Asked Questions
Still have questions about mortgages, rates, or the application process? Our comprehensive FAQ section covers everything from first-time buyer queries to complex remortgage scenarios.
While there’s no fixed timeframe, a mortgage application typically takes between 6 to 8 weeks from submission to completion. This process can vary based on factors like the complexity of your financial situation, how quickly you provide the necessary documentation, and the efficiency of your solicitor and lender. Delays can occur if additional checks or valuations are needed.
You’ll know your mortgage is approved once you receive a formal mortgage offer from the lender. This document confirms that the lender is willing to provide you with the loan, subject to any final legal checks. Your solicitor will also be notified, and this offer is typically valid for a set period, usually around 3 to 6 months.
Your first chat with an advisor is always free and comes with no obligation. If you choose to go ahead, fees vary depending on the complexity of your case, but you will always know the cost upfront. You will never be charged without agreeing to it first.
A mortgage advisor will search the market for you and recommend the best deal based on your situation. They do more than compare rates. They understand lender criteria, manage the paperwork, and know how to get complex cases approved.
With expertise in specialist mortgages and strong lender relationships, they save you time, reduce the risk of rejection, and often access deals not available directly.
Online Mortgage Advisor is an FCA-authorised mortgage broker serving customers nationwide. We secure the best deal with help from a specialist in situations like yours. Over 600,000 borrowers have trusted us to help them find the right deal, and we are rated Excellent on Trustpilot.
We make the mortgage process simple and manageable, whatever your situation. Our advisors handle both straightforward and complex cases, giving you certainty about your options and confidence in your next steps.
You will have a dedicated expert and case manager by your side from your first question through to completion, with regular updates so you always know what’s happening. We also give you the benefit of a one-stop experience by connecting you with trusted partners for conveyancing, insurance, and more. This way, you get clear answers, everything taken care of in one place, and peace of mind that your mortgage is sorted.
Mortgage Application Circumstances
Customer Success Stories
More Mortgage Application Guides
Find out your best mortgage options today
You’ll have a dedicated team by your side from questions to completion, with clear choices and costs explained upfront. We’ll match you with a mortgage advisor specialising in your unique situation.